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Company Analysis

Bar Harbor Bankshares, Inc. BHB

A comprehensive view of key metrics, scores, and financial health for Bar Harbor Bankshares, Inc.

Overview of Bar Harbor Bankshares

BHB ASE
Financial Services Banks - Regional Small Cap
Bar Harbor Bankshares (BHB), is a Small Cap company, in the Banks - Regional industry, last closed at $31.17, about 3.2% undervalued vs fair value, +2.0% 1Y return, ranked 358/1004 in sector.
$31.17
0.10%
As of March 13, 2026
Previous close • Vol 90d: 28.1%
52-Week Range
Market Cap
$520.60M
Enterprise Value
$745.30M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.barharbor.bank
HQ Bar Harbor, ME
Fiscal year Dec 31

Next Events

Dividend Mar 20
Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $31.17 +3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$188.7M
8.3%%
Interest Expense
$75.0M
Net Interest Income
$113.8M
-3.3%%
Total Revenue
$243.3M
62.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$18.8M
43.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bar Harbor Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BHB's balance between Growth (36.6%), Profitability (27.6%), and Safety (35.8%). Growth 37% Safety 36% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Asset Growth YoY 14.7% 86p Rev Growth YoY 62.7% 57p Revenue CAGR 3Y 17.9% 49p
Strengths
  • Asset Growth Yoy in top 20% of peers (14.7%, 86th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

48th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
63
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bar Harbor Bankshares, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$32.18
- - -
+3.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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